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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Assets per participant are in the bottom quintile of the peer cohort - savings-rate / match opportunity.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $7,860 | $83,908-90.6% | $68,509-88.5% | $125,393-93.7% |
| Participation rate | 25.0% | 78.2%-53.2pp | 74.7%-49.7pp | 83.2%-58.2pp |
| Annual return | -3.19% | 14.48%-17.7pp | 8.27%-11.5pp | 282.23%-285.4pp |
| Employer contribution / active EE | $627 | $3,031-79.3% | $2,278-72.5% | $4,866-87.1% |
| Participant deferral / active EE | $1,299 | $4,125-68.5% | $3,382-61.6% | $5,351-75.7% |
| Admin fee / account holder | $3,390 | $8,982-62.3% | $5,275-35.7% | $9,541-64.5% |